PERSONAL LOAN IN MALAYSIA? PINJAMAN PERIBADI ISLAM / ISLAMIC FINANCE

Are you searching for personal loan / pinjaman peribadi from islamic banking institution / legal money lender / loan shark? Beware and think wisely before you choose to have a personal loan services from someone or company. Most of us now prefer to apply loan from banking institution like bank islam or hsbc amanah because it is safer and with reasonable low interest rate (interest rate terendah bagi pinjaman peribadi). So here we publish what is islamic banking and service from other money lender that we found on the net. If you have experience using any loan service provider, give your reviews here so that everybody will learn the good tips form you.

PERSONAL LOAN IN MALAYSIA? PINJAMAN PERIBADI ISLAM / ISLAMIC FINANCE

Islamic banking has emerged as a new reality in the international financial scene. Its philosophies and principles are however, not new, having been outlined in the Holy Qur’an and the Sunnah (words, action and approval of the Prophet where later put in writing by his followers and transmitted to others as “hadith”) of Prophet Muhammad (p.b.u.h.) more than 1,400 years ago. The emergence of Islamic banking is often related to the revival of Islamic financial system which is totally usury (riba) free. Riba literally means increase, addition, expansion or growth which are non-trade related e.g. a loan, advances. Technically however, there is no specific or precise definition of “riba” thus excessive profits under certain condition, is also said, may tantamount to Riba.

Islamic Banking in the modern world, generally aims to promote and develop the application of Islamic principles, law and traditions to transactions of financial, banking and related business affairs. It is also to promote investment companies to be engaged in such business activities that are acceptable and consistent within the Shariah precept. Islamic banks, by doing so, will safeguard the Islamic communities and societies from activities that are forbidden in Islam.

Comparison Difference between Islamic and Conventional Banking

Islamic Banks, like conventional banks, are profitable organizations. Their aim is to gain profit, but they are not allowed to deal with interest or to engage in any business or trade prohibited by Islam. In contrast, traditional conventional banks have as their main goal the maximization of profit subject to a reasonable level of liquidity. They tend to deal with loans only and are keen in engaging themselves in direct investment as a main activity.

The difference between the conventional banking system and the Islamic banking system is that, in the conventional system, interests are given (pre-promised) with a guarantee of repayment and a fixed percentage return while in the Islamic system, investors share a fixed percentage of profit when it occurs i.e. the share of the two practices will vary according to the profit achieved. Banks get back only a share of profit from the business to which it is a party and in case of loss, the business party loses none in terms of money but forgoes the reward for its activities during that period.

It is very important to remember that the Islamic banking movement in the country has only approximately 30 years, so it is unfair to compare its result with those of the conventional banks which have been in existence for almost 300 years.

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Personal loan from HSBC details:

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FOR LEASING OF BG/SBLC

MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

LEASING FEE = 4%+1%

FOR PURCHASE OF FRESH CUT BG/SBLC

PRICE = 32%+1%

MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.